[cynwoody]

If by paying online it wouldn’t be paid until due date I would mail it to make sure it was paid.

B of A's system has two classes of payee: electronic and non-electronic. Electronic is settled on the day you set, computer to computer, with no involvement of the US Postal Service. The credit card companies are all electronic payees, as far as I know.

For non-electronic payees, the bank cuts a check and mails it, with four day delivery. That works fine for the electrician or the plumber or the condo association.

[dalereed]

I pay all bills with indivadual electronic check, written by me.

I won’t use automatic pay systems or use payment through my bank with them sending an electronic check.